August 2020 Subject: Management Discussion and Analysis for the Performance for the six-month period ended 30 June 2020 To: President The Stock Exchange of Thailand The Board of Directors of Wow Factor

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2020 (Unreviewed) Kiatnakin Phatra Bank Public Company Limited Investor Relations Email: investor_relations

/2563 13 Aug 2020 Re Explanation and analysis of the Management for the 2nd quarter of 2020 ended 30 June 2020 To Director and Manager, Stock Exchange of Thailand The Company would like to submit herewith

Company Limited ( the “ Company” ) would like to submit the Management’ s Discussion and Analysis ( MD&A) of the Consolidated Financial Results for the first quarter of 2019 ending March 31, 2019, as

ที่ FPI Ref. FPI.007/2020 15 July 2020 Subject : Management Discussion & Analysis of Performance Results of Quarter 1 2020 To : Board of Directors and President of The Stock Exchange of Thailand

MDA Q1_2018 (Eng.) May 7, 2018 Subject : Interim Management Discussion and Analysis of Q1/2018 Attention : President of The Stock Exchange of Thailand We attach herewith the financial statements of

MDA Q2_2017 (Eng.) August 10, 2017 Subject : Interim Management Discussion and Analysis of Q2/2017 Attention : President of The Stock Exchange of Thailand We attach herewith the financial statements

MDA Q3_2017 (Eng.) November 8, 2017 Subject : Interim Management Discussion and Analysis of Q3/2017 Attention : President of The Stock Exchange of Thailand We attach herewith the financial statements

MD&A Q1_2019 (Eng ) May 2, 2019 Subject : Interim Management Discussion and Analysis of Q1/2019 Attention : President of The Stock Exchange of Thailand We attach herewith the financial statements of

MDA Q2_2019 (Eng ) August 9, 2019 Subject : Interim Management Discussion and Analysis of Q2/2019 Attention : President of The Stock Exchange of Thailand We attach herewith the financial statements